Solutions / Payment Cost Optimisation
Reduce Your Payment Processing Costs Without Compromise
If your business is processing significant online volume through a standard gateway, you are almost certainly overpaying. We provide a structured, professional migration path to a more cost-effective enterprise solution — with full continuity of service.
Typical cost comparison
Standard gateway (blended rate)
1.4–2.9% + fees
MunuPay (interchange++)
Interchange + margin
Actual savings depend on your volume, mix, and current rates. A free cost analysis will show your exact figures.
The Challenge
The Hidden Cost of Convenience Pricing
Standard payment gateways are designed for simplicity and ease of onboarding — not for cost efficiency at scale. As your transaction volume grows, the gap between what you pay on a blended rate and what you could pay on an interchange-plus model widens significantly. Many businesses continue to overpay simply because the process of switching feels complex or risky.
Our Solution
Where the Savings Come From
Interchange++ Pricing
Pay the actual interchange rate plus a transparent, fixed margin — not a blended rate that hides the true cost.
Intelligent Routing
Transactions are routed through the most cost-effective acquiring path, reducing your effective rate further.
Reduced Gateway Fees
Eliminate the per-transaction gateway fees charged on top of processing costs by standard providers.
Consolidated Tooling
Replace multiple paid tools (fraud, reporting, vaulting) with a single integrated solution.
Volume-Based Pricing
Enterprise volume attracts enterprise rates — something standard gateways rarely offer at scale.
No Hidden Charges
Transparent commercial terms with no surprise fees, minimum monthly charges, or punitive exit clauses.
How It Works
A Structured, Low-Risk Migration Process
Free Cost Analysis
We review your current Stripe statements and transaction data to calculate your exact effective processing rate and identify savings opportunities.
Tailored Proposal
We present a clear, like-for-like comparison showing your current costs versus a MunuPay solution — with no obligation.
Managed Migration
Our team handles the full technical migration, minimising disruption to your operations and ensuring continuity of service.
Ongoing Optimisation
Post-migration, we continue to monitor and optimise your payment stack to ensure you always achieve the best possible effective rate.
What's included
MunuPay provides payment cost optimisation services by migrating businesses to enterprise-grade acquiring solutions. We do not have a commercial relationship with Stripe, Inc. Any references to standard gateway pricing are for illustrative purposes only and are based on publicly available information. Actual savings will vary based on your transaction volume, card mix, and current commercial terms.
See How Much You Could Be Saving
A free, no-obligation cost analysis will show you exactly what you're paying today and what a better-structured solution would cost.